Kotak White Reserve Metal [Photos + Video] Very much like Apple Card

[creditbdsm]

Hello Technofino Folks,

Here's some photos and a card drop video (Slow Motion + Sound) for all you card nerds.
Some people inbox me asking me about context for my posts, here's the context : none.

Card Drop Video (Slow Motion + Sound) -

https://media.giphy.com/media/v1.Y2lkPTc5MGI3NjExcGQyOWc4aWhwbHYwZ3J4OTUwdTZmM2d5bzFld3kzcXBobDZzZ3loMiZlcD12MV9pbnRlcm5hbF9naWZfYnlfaWQmY3Q9Zw/ARpfE9DB61di7XBzmh/giphy.gif

Look and feel is almost like the Apple Card. A 'LITTLE' lighter than the Apple Card. I like this paint better, doesn't seem to scratch as much.




The Chip on this one is Bigger and has more holes. Looks like the silencer for a high end sports car.

Much bigger than a regular chip. Here's it next to the Kotak Black Metal Card.


edges of the card shines glass rather than metal. the Kotak Black card edge is gold painted. If this was painted silver both would look like husband and wife.



Over all me likey, now shopkeepers ask me what my ex usually did.... Ye chalega ?

and my answer as always.... tap kar dena.



Back Side for all you dirty ones

Last time I uploaded the pictures supreme leader seemed mad they were BIG, i hope this size is correct.

 

[ray8285]

So without ANY Kotak account I can get white cards for fee right ?

White Yes, White Reserve they will most likely decline, it has a floor limit of 8L, I think..

Best go for white & then try to upgrade to WR..

 

[HumorSimpson]

White Yes, White Reserve they will most likely decline, it has a floor limit of 8L, I think..

Best go for white & then try to upgrade to WR..

For both of the cards, white pass point value same right ?

 

[ray8285]

For both of the cards, white pass point value same right ?

Yes. Only diff is White has a much lower threshold & capping to how much White pass you can earn in an year..

 

[sid16]

I was offered the white card LTF when I was Privy Prima (neon now) ..

Upgraded to optima & it took me a good 3 months, at least 15-20 emails, 30-40 calls to convert the white to white reserve that too with Fee .. Now I think it was not worth the hassle or the time! Thinking of going back to White LTF since I'm privy optima..

Same experience, they aren't ready to give White Reserve even FYF. So I didn't opt for it yet. Will opt only if required.

 

[ray8285]

Same experience, they aren't ready to give White Reserve even FYF. So I didn't opt for it yet. Will opt only if required.

Cust care doesn't have a clue.. They say it's invite only when it's not.. They also say it's the highest varient Kotak offers which is also not true.

Kotak wealth card is the highest varient that kotak offers & that's invite only and is for their private banking clients only.. Irony is that it's value back & privileges is worse than the white Reserve!

Kotak should immediately overhaul their entire card portfolio, if they want to stay relevant in the credit card business that is, something which axis had done a few years back

 

[Vasuki]

For both of the cards, white pass point value same right ?

I guess at white ltf U reached the epitome..
In kotak

White RESERVE IS USELESS UNLESS U HAVE KOTAK BUSINESS ACCOUNT...

SBI CB IS MILES BETTER THAN WHITE OR WHITE RESERVE

 

[Vasuki]

Same experience, they aren't ready to give White Reserve even FYF. So I didn't opt for it yet. Will opt only if required.

Age criteria is 28 mind you ..

 

[Vasuki]

Cust care doesn't have a clue.. They say it's invite only when it's not.. They also say it's the highest varient Kotak offers which is also not true.

Kotak wealth card is the highest varient that kotak offers & that's invite only and is for their private banking clients only.. Irony is that it's value back & privileges is worse than the white Reserve!

Kotak should immediately overhaul their entire card portfolio, if they want to stay relevant in the credit card business that is, something which axis had done a few years back

Myntra is great add but at entry lvl
At zen lvl there should be a better card
White needs to looked from valuback perspective & not just lifestyle

 

[sid16]

Cust care doesn't have a clue.. They say it's invite only when it's not.. They also say it's the highest varient Kotak offers which is also not true.

Kotak wealth card is the highest varient that kotak offers & that's invite only and is for their private banking clients only.. Irony is that it's value back & privileges is worse than the white Reserve!

Kotak should immediately overhaul their entire card portfolio, if they want to stay relevant in the credit card business that is, something which axis had done a few years back

They could do an overhaul, but with White and White Reserve, they are still 100X better than before. Earlier, their card portfolio was absolutely crap, it was that bad. 😂

 

[sid16]

I guess at white ltf U reached the epitome..
In kotak

White RESERVE IS USELESS UNLESS U HAVE KOTAK BUSINESS ACCOUNT...

SBI CB IS MILES BETTER THAN WHITE OR WHITE RESERVE

White and White Reserve are primarily for paying taxes. SBI CB doesn't give any rewards on tax payments. Hence, not comparable.

 

[HumorSimpson]

White and White Reserve are primarily for paying taxes. SBI CB doesn't give any rewards on tax payments. Hence, not comparable.

Well said. May be next year I will apply white.

 

[Vasuki]

White and White Reserve are primarily for paying taxes. SBI CB doesn't give any rewards on tax payments. Hence, not comparable.

Shed some light

 

[ray8285]

Myntra is great add but at entry lvl

Yes but if you're not shopping a lot in myntra it's utterly useless.. Also, Myntra has so many bank offers with other banks almost all around the year that you hardly miss this card even if you don't have it.. I closed the card 3 months back ..

 

[HumorSimpson]

Shed some light

No rewards for sbi cb on govt services

 

[Vasuki]

No rewards for sbi cb on govt services

Hehe huhu heehe.
Like in context of number

 

[HumorSimpson]

Hehe huhu heehe.
Like in context of number

1 to 2 %.

 

[ray8285]

Well said. May be next year I will apply white.

White and White Reserve are primarily for paying taxes. SBI CB doesn't give any rewards on tax payments. Hence, not comparable.

Apart from that, one really good thing about the white cards were 0 charges on rent payments, but Kotak devalued that too from March 2024 ... It's a whopping 2% + gst for rent payments now!

It was a love story but Kotak ne dil ke tukde tukde kar diye woh bhi March ke mahine main 🥺

 

[elite34700]

White Yes, White Reserve they will most likely decline, it has a floor limit of 8L, I think..

Best go for white & then try to upgrade to WR..

10L is the floor limit

 

[Vasuki]

10L is the floor limit

For reseve? For white

 

[ray8285]

10L is the floor limit

I have the reserve & my limit is NOT 10L ..